Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), yet the description still adds material behavior: the 1-credit-per-record cost model with no telephone/download/API surcharge, that calling this tool itself is free, and that no account is required. It also discloses a compliance default that changes results (corporate subscribers only under PECR, sole traders and ordinary partnerships excluded unless the toggle changes) — context an agent cannot get from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.